However, the regulators do NOTHING to enforce these laws and when a consumer sues, the defendants will of course LIE again. They don't mind comitting perjury because the courts don't care. I think that's called a "litigation privilige." That leaves recordings as the only way to prove the lies.

I reside in Arizona where recording after notification of ONE party (me) is legal.

Dana Capital is now out of business and thousands of borrowers who never figured out the real terms of their mortgages until the payments went up are in default or struggling to make those much higher than expected payments.